Can I retire at age 52 with 19,500,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $19,500,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$1,610,292$1,595,948$1,581,954$1,568,295$1,554,957$1,511,241
2 years$797,174$782,328$767,939$753,988$740,456$696,745
3 years$526,170$511,260$496,907$483,087$469,776$427,440
4 years$390,695$375,830$361,621$348,037$335,048$294,413
5 years$309,431$294,655$280,633$267,326$254,698$215,874
6 years$255,273$240,608$226,793$213,783$201,534$164,558
7 years$216,603$202,062$188,466$175,763$163,901$128,773
8 years$187,615$173,205$159,834$147,443$135,972$102,673
9 years$165,080$150,806$137,665$125,589$114,508$83,005
10 years$147,062$132,928$120,020$108,259$97,566$67,819
11 years$132,330$118,338$105,663$94,217$83,910$55,870
12 years$120,063$106,214$93,774$82,641$72,715$46,328
13 years$109,690$95,986$83,780$72,960$63,409$38,617
14 years$100,807$87,249$75,277$64,766$55,584$32,328
15 years$93,116$79,703$67,965$57,760$48,940$27,157
16 years$86,392$73,126$61,620$51,717$43,254$22,880
17 years$80,466$67,347$56,072$46,468$38,352$19,322
18 years$75,204$62,231$51,187$41,877$34,101$16,350
19 years$70,501$57,675$46,859$37,839$30,395$13,858
20 years$66,274$53,595$43,005$34,271$27,149$11,762
21 years$62,455$49,921$39,556$31,103$24,295$9,995
22 years$58,987$46,600$36,457$28,280$21,777$8,502
23 years$55,826$43,584$33,662$25,755$19,549$7,238
24 years$52,932$40,835$31,131$23,490$17,571$6,166
25 years$50,274$38,322$28,834$21,452$15,811$5,257
26 years$47,824$36,016$26,742$19,615$14,242$4,483
27 years$45,560$33,896$24,832$17,954$12,840$3,825
28 years$43,461$31,940$23,085$16,450$11,586$3,265
29 years$41,511$30,131$21,482$15,085$10,462$2,788
30 years$39,694$28,456$20,010$13,844$9,453$2,381
31 years$37,997$26,900$18,655$12,715$8,546$2,034
32 years$36,410$25,453$17,405$11,685$7,731$1,738
33 years$34,922$24,105$16,251$10,745$6,996$1,485
34 years$33,524$22,846$15,184$9,887$6,334$1,270
35 years$32,209$21,669$14,196$9,101$5,737$1,085
36 years$30,971$20,567$13,280$8,382$5,198$928
37 years$29,801$19,534$12,430$7,723$4,711$793
38 years$28,696$18,564$11,640$7,118$4,271$678
39 years$27,651$17,653$10,906$6,564$3,873$580
40 years$26,660$16,795$10,222$6,054$3,513$496
41 years$25,719$15,987$9,585$5,585$3,187$424
42 years$24,826$15,226$8,991$5,155$2,892$363
43 years$23,977$14,507$8,437$4,758$2,625$310
44 years$23,169$13,828$7,919$4,394$2,383$265
45 years$22,399$13,186$7,436$4,058$2,163$227
46 years$21,664$12,579$6,984$3,748$1,964$194
47 years$20,963$12,005$6,561$3,463$1,783$166
48 years$20,293$11,460$6,166$3,200$1,619$142
49 years$19,652$10,944$5,796$2,957$1,471$121
50 years$19,039$10,454$5,449$2,733$1,336$104

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $19,500,000, adding $3,741 every year, while hoping to spend $50,634 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 35/38/27 Blend
51$19,500,000$19,500,000$19,500,000$19,500,000
52$21,492,859$20,459,359$20,157,109$22,069,801
53$23,631,256$21,407,993$20,778,498$23,449,779
54$25,986,073$22,401,414$21,419,006$24,932,868
55$28,579,331$23,441,761$22,079,221$26,532,131
56$31,435,295$24,531,280$22,759,748$28,257,993
57$34,580,706$25,672,323$23,461,210$30,121,877
58$38,045,027$26,867,356$24,184,249$32,136,312
59$41,860,727$28,118,964$24,929,529$34,315,036
60$46,063,584$29,429,856$25,697,731$36,673,118
61$50,693,024$30,802,873$26,489,560$39,227,095
62$55,792,492$32,240,994$27,305,740$41,995,112
63$61,409,863$33,747,339$28,147,018$44,997,088
64$67,597,891$35,325,181$29,014,165$48,254,889
65$74,414,711$36,977,950$29,907,975$51,792,528
66$81,924,384$38,709,242$30,829,265$55,636,374
67$90,197,504$40,522,828$31,778,879$59,815,394
68$99,311,863$42,422,660$32,757,685$64,361,411
69$109,353,185$44,412,882$33,766,578$69,309,388
70$120,415,933$46,497,837$34,806,482$74,697,752
71$132,604,207$48,682,079$35,878,348$80,568,733
72$146,032,719$50,970,384$36,983,156$86,968,753
73$160,827,880$53,367,757$38,121,915$93,948,846
74$177,128,992$55,879,445$39,295,667$101,565,123
75$195,089,562$58,510,951$40,505,485$109,879,286
76$214,878,753$61,268,043$41,752,474$118,959,188
77$236,682,978$64,156,769$43,037,775$128,879,458
78$260,707,662$67,183,471$44,362,560$139,722,183
79$287,179,178$70,354,796$45,728,041$151,577,665
80$316,346,989$73,677,715$47,135,465$164,545,247
81$348,485,995$77,159,537$48,586,116$178,734,231
82$383,899,136$80,807,924$50,081,321$194,264,885
83$422,920,246$84,630,910$51,622,443$211,269,552
84$465,917,206$88,636,919$53,210,889$229,893,876
85$513,295,417$92,834,785$54,848,110$250,298,145
86$565,501,628$97,233,767$56,535,600$272,658,778
87$623,028,149$101,843,577$58,274,898$297,169,962
88$686,417,504$106,674,397$60,067,591$324,045,448
89$756,267,549$111,736,901$61,915,315$353,520,543
90$833,237,116$117,042,286$63,819,755$385,854,289
91$918,052,232$122,602,288$65,782,646$421,331,882
92$1,011,512,975$128,429,216$67,805,780$460,267,315
93$1,114,501,025$134,535,974$69,891,001$503,006,313
94$1,227,987,989$140,936,096$72,040,209$549,929,549
95$1,353,044,571$147,643,772$74,255,363$601,456,197
96$1,490,850,681$154,673,880$76,538,481$658,047,844
97$1,642,706,574$162,042,025$78,891,645$720,212,799
98$1,810,045,126$169,764,565$81,316,996$788,510,841
99$1,994,445,359$177,858,659$83,816,745$863,558,454
100$2,197,647,348$186,342,295$86,393,168$946,034,594